Searching for a Drug Rehab that State Farm Insurance Will Cover?
Searching for a Drug Rehab that State Farm Insurance Will Cover?
Millions of people in the United States don’t receive drug addiction treatment because they worry about the costs involved. Thankfully, health insurance covers a substantial portion of the costs in many cases. However, finding drug rehab State Farm covers can feel a little overwhelming. Learn more so that you’re ready to locate a suitable drug rehab program that State Farm insurance will cover.
The ACA and Drug Rehab Coverage
In decades past, many health insurance policies could opt out of including drug treatment, detox and rehab to policyholders. Today, however, that is no longer an option. Because of the Affordable Care Act, or ACA, all health insurance providers are now required to cover drug treatment in cases where addiction is clear.
The ACA now officially classifies addiction as one of the 10 elements of essential health benefits. Since addiction is scientifically proven to be an illness, not a choice, it only makes sense that health insurance providers are now required to treat it as one.
The ACA has also made it easier for people who currently suffer from addiction to qualify for health insurance. Previously, insurers were able to deny these candidates because addiction qualified as a pre-existing condition. According to Healthcare.gov, marketplace health insurance plans can’t deny coverage or charge more to patients who disclose addiction as a preexisting condition. Furthermore, insurance plans can’t limit lifetime or annual coverage of an essential health benefit like addiction.
Drug Rehab State Farm Insurance Covers is Variable Dependent on Individual Policies
Finding drug rehab State Farm covers depends both on the facility in question and the specific details of a policy. Health insurance policies can differ in a number of ways, including monthly cost, deductible, network coverage and specific treatment options.
On the health insurance marketplace through the ACA, for example, there are four levels of health insurance plans: Bronze, Silver, Gold and Platinum. As the titles suggest, these have varying costs, with bronze being the most affordable and platinum being the most expensive. Bronze plans are more likely to cover short-term residential programs, brief detox stays or outpatient rehab programs. Gold and platinum plans may offer coverage for long-term stays or sober living facilities.
You should also take a plan’s deductible into account. You might have to pay this amount pocket before State Farm or any other insurance provider will cover treatment.
Network coverage is also important when looking for drug rehab State Farm will cover. Some policies specifically state that policyholders have to seek out a rehab facility located within their network of physicians and healthcare providers.
About State Farm Insurance
State Farm is an insurance company headquartered in Illinois that has been around for over 90 years. State Farm offers several forms of medical insurance, including individual policies, Medicare supplement insurance and business or group supplemental insurance.
The Importance of Quality Drug Rehab
It’s impossible to overstate the importance of quality drug rehab. A great rehab program is the key to learning more about the causes of addiction, developing skills to prevent relapse and creating healthy habits for the future. When choosing a drug rehab, be sure to look for one that includes:
- Evidence-based treatment methods
- Alternative therapies in areas of fitness or art
- Group counseling sessions
- A comprehensive approach to wellness
Finding drug rehab State Farm covers is easier than you might expect. Start by calling Recovery Connection at 866-812-8231 to learn more about your options and find the perfect drug rehab for your recovery.
